Self-Directed IRA
Open a self-directed IRA
Apply in a few minutes and put your retirement dollars into real estate, private equity, metals, crypto, and private notes. Accuplan administers your account, American Estate & Trust holds the assets.
What you are opening
A real IRA, with a wider menu of assets.
A self-directed IRA is the same Traditional or Roth IRA you already know, with the same tax rules and the same contribution limits. What changes is the asset list. Instead of stocks, bonds, and mutual funds, you can hold real estate, private companies, precious metals, cryptocurrencies, private loans, and other alternative assets inside the account.
Accuplan is a Third Party Administrator. American Estate & Trust is the custodian that holds the assets. You direct the investments, we handle the paperwork and reporting, and AET keeps the assets safe.
Read more on the self-directed IRA pillar page if you want the full picture before applying.
What you can hold
Common alternative assets.
Any asset the IRS allows inside an IRA is on the table. These are the categories most Accuplan investors hold.
Precious Metals
IRS-approved gold, silver, platinum, and palladium, stored at an insured depository.
Learn more →Cryptocurrencies
Bitcoin and other digital assets, traded inside your account dashboard.
Learn more →Getting started
Three steps to open and fund your IRA.
Open your account
Apply online in a few minutes. Personal information you need is a Social Security number, date of birth, contact details, mailing address, and a photo ID.
Fund your account
Contribute, roll over an existing 401(k) or IRA, or transfer funds from another retirement account. Your contribution limit follows the standard IRS rules for the account type you pick.
Direct your investments
Submit a direction of investment from your dashboard. Your investment lives inside the IRA, and any income or gains stay in the account.
Why Accuplan
What you get with Accuplan.
Genuinely Self-Directed
Real estate, private equity, metals, crypto, private notes, and more. Not a curated brokerage menu.
AET as Custodian
Accuplan administers your account. <a href="https://aetrust.com/" target="_blank" rel="noopener">American Estate & Trust</a>, a Nevada-chartered trust company, holds the assets.
Flat Annual Fee
A flat $349.95 annual fee. Your account can grow without your fees growing with it.
Want to talk first?
Book a 15-minute call.
No pitch, no obligation. We answer questions about self-directed IRAs, the rollover process, and what makes sense for your situation.